BlastPoint's Banking Scorecard

Cornhusker Bank

$1B-$10B Specialty: Commercial NE FDIC cert 14264

Designations: ✓ Community bank

Lincoln, NE

9 branches across NE

884 banks in the $1B-$10B peer group nationally 21 in NE

Cornhusker Bank has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 44.1% in tier
+ Nonperforming Asset Ratio 0.63% below tier average
+ ROA 0.06% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 1.2% in tier
- Liquidity Strain: Bottom 6.0% in tier
- Net Interest Margin 0.45% below tier average
- Efficiency Ratio 0.34% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$1.0B -0.1% YoY +0.7% QoQ	-$1.8B	$2.8B -0.1% YoY	$791.1M +6.6% YoY	$6.2B +9.1% YoY	Bottom 3.2% in tier
Total Loans ?	$819.0M -3.8% YoY +0.0% QoQ	-$1.1B	$2.0B +0.6% YoY	$551.6M +6.9% YoY	$3.2B +10.8% YoY	17%
Total Deposits ?	$850.1M +0.6% YoY -1.7% QoQ	-$1.5B	$2.3B -0.3% YoY	$661.1M +6.6% YoY	$4.8B +8.2% YoY	Bottom 4.2% in tier
Return on Assets ?	1.42% +59.3% YoY +35.1% QoQ	+0.06%	1.37% +19.6% YoY	1.36% +20.0% YoY	1.23% +13.4% YoY	65%
Net Interest Margin ?	3.37% +13.4% YoY +6.2% QoQ	-0.45%	3.82% +6.9% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	33%
Efficiency Ratio ?	61.40% -12.6% YoY -8.8% QoQ	+0.34%	61.06% -4.6% YoY	60.11% -6.9% YoY	66.95% -4.1% YoY	44%
Delinquency Rate ?	0.06% +20.7% YoY +2.5% QoQ	-0.83%	0.89% +14.1% YoY	0.72% +6.8% YoY	0.95% +18.8% YoY	Top 7.5% in tier
Loan-to-Deposit Ratio ?	96.34% -4.3% YoY +1.8% QoQ	+12.14%	84.20% +0.3% YoY	79.63% +0.4% YoY	76.70% +0.9% YoY	21%
Non-Interest-Bearing Deposit Share ?	13.61% -2.8% YoY -12.6% QoQ	-7.68%	21.29% -2.5% YoY	17.92% -1.5% YoY	22.01% -1.2% YoY	22%
Nonperforming Asset Ratio ?	0.04% +16.3% YoY +1.7% QoQ	-0.63%	0.67% +15.6% YoY	0.55% +6.0% YoY	0.67% +19.3% YoY	Top 8.0% in tier
Tier 1 Capital Ratio ?	12.86% +8.0% YoY +1.6% QoQ	-2.30%	15.16% +2.0% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	46%
Non-Interest Income / Assets ?	0.13% +14.9% YoY -72.0% QoQ	-0.13%	0.26% +1.6% YoY	0.12% +3.0% YoY	0.32% +4.1% YoY	45%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#98 of 220 • Top 44.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.06%

(Tier: 0.89%, National: 0.95%)

better than tier avg

220 of 220 Mid-Market banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk

#7 of 513 • Bottom 1.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.06%

(Tier: 0.89%, National: 0.95%)

better than tier avg

513 of 513 Mid-Market banks match · 1899 nationally

→ Stable +2 banks QoQ

Liquidity Strain

risk

#21 of 334 • Bottom 6.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 96.34%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (2 metrics)

Delinquency Rate

credit_quality

Value: 0.06%

Peer Median: 0.89%

#67 of 880 Top 7.5% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.67%

#72 of 884 Top 8.0% in $1B-$10B

Top Weaknesses (5 metrics)

857

Total Assets

size

Value: $1.03B

Peer Median: $2.82B

#857 of 884 Bottom 3.2% in $1B-$10B

848

Total Deposits

size

Value: $850.15M

Peer Median: $2.34B

#848 of 884 Bottom 4.2% in $1B-$10B

738

Total Loans

size

Value: $819.05M

Peer Median: $1.96B

#738 of 884 Bottom 16.6% in $1B-$10B

695

Loan-to-Deposit Ratio

liquidity

Value: 96.34%

Peer Median: 84.20%

#695 of 884 Bottom 21.5% in $1B-$10B

687

Non-Interest-Bearing Deposit Share

funding

Value: 13.61%

Peer Median: 21.29%

#687 of 884 Bottom 22.4% in $1B-$10B